Insurance Information Institute

Click here for descriptions of various types of insurance, buying tips, information about filing claims and more.  The TOPICS menu allows you to select a type of insurance for which you want information.

Warning - Phishing Scam

We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an naic.org or gmail.com email account, and instructs the recipient to click on a link to download the complaint notification.

Certain antivirus products will detect this as a malicious email.  If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].

Homeowners Insurance Check-up

A guide to help you decide if you need to adjust your homeowners coverage.

Consumer Guide: Understanding How Insurers Use Credit Information

Learn how insurance companies use your credit information.
 

National Flood Insurance Program (NFIP) Key Contacts

If you have questions about flood insurance, including information on the new flood maps and new rate structure, use this document to contact FEMA.  The Department encourages everyone on or near a flood plain to review their insurance policies, contact FEMA with flood-related questions, and be prepared.

Home Sharing

Learn how renting part or all of your home to a guest for a fee may affect your homeowners insurance coverage.

Consumer Guide: Home Warranty Service Contracts

Learn about home warranty service contracts
 

Personal Automobile Insurance Consumer Awareness Points

When considering automobile insurance purchases, bear in mind these “Consumer Awareness Points”...

Premium Comparison and Complaint Ratios for Automobile Insurance

Review hypothetical insurance premiums and statistics on complaints.

Ride Sharing

Learn how using your vehicle in a ride-sharing arrangement with a transportation network company (Uber, Lyft, etc.) may affect your automobile insurance coverage.

SHOP Marketplace Products
Frequently Asked Questions and Key Facts about Health Insurance Rate Review
Uniform Employee Health Status Questionnaire

Mandatory health questionnaire form to be used by insurers offering small group health insurance

Consumer Guide to Annuities for Seniors

To determine if a particular annuity product is right for you, think about your financial goals, investment amounts, timing and length of investment, and most importantly, the amount of risk you’re willing to take. Additional information from the National Association of Insurance Commissioners provides important information to help you with your discussions regarding what annuity will fit your needs

Arizona Sample Notice of Continuation Coverage (Mini-COBRA)

Pursuant to ARS § 20-2330, a health benefits plan issued or renewed after December 31, 2018, must allow an enrollee and any qualified dependent to continue coverage after a qualifying event.  The law requires a small employer (with an average of at least 1 but fewer than 20 employees) to notify an enrollee in writing of the right of the enrollee and any qualified dependents to continue coverage under the employer's health benefits plan upon an enrollee's qualifying event.  Pursuant to Subsection C of the law, the Department has prepared a sample notice of coverage continuation form and is making the sample available on its website.  A small employer that uses, properly completes, and timely issues the Department's form is presumed to satisfy notification requirements.  On January 23, 2019, the Department uploaded a new version of the form.

Homeowners' Insurance Company Telephone Numbers

Contact information for companies that sell homeowners insurance in Arizona.